Total monthly cost of ownership
Cost to Own a Home in Holliday, Texas
A $145,000 home here costs
$1,301per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $556 higher every month — 75% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Holliday against Archer County and Texas
| Measure | Holliday | Archer County |
|---|---|---|
| Median home value | $144,800 | $175,300 |
| Median property tax | $1,479 | $2,317 |
| Effective tax rate | 1.021% | 1.322% |
| Median gross rent | $781 | $766 |
| Population | 1,670 | 8,734 |
The weather behind that power bill
Holliday sits in Archer County, which averages a high of 97.0°F in its hottest month and a low of 30.5°F in its coldest, with 32.46" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,570 cooling and 2,726 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Archer County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Archer County
Common questions
How much does it cost to own a home in Holliday?
A $145,000 home in Holliday, Texas costs approximately $1,301 per month with 20% down at 6.66%. That is $745 principal and interest, $123 property tax, $96 homeowners insurance, $216 utilities and $121 set aside for maintenance.
What is the property tax rate in Holliday?
Holliday has an effective property tax rate of 1.021%, based on a median home value of $144,800 and median real estate taxes of $1,479. That is lower than the Archer County average of 1.322%.
What is the average home price in Holliday?
The median owner-occupied home value in Holliday, Texas is $144,800, against $175,300 across Archer County.
Is it cheaper to rent or buy in Holliday?
Median gross rent in Holliday is $781 a month, against $1,301 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Holliday — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.